Posted by David Hinkle on September 29, 2021.
As a debtor, you have certain rights that are guaranteed by the Consumer Financial Protection Bureau, the Truth in Lending Act, the Fair Credit Billing Act, and the Fair Debt Collection Practices Act (FDCPA). These rights are guaranteed to you regardless of how much debt you hold and, if your rights are being breached and […]
Posted by David J. Hinkle, Esq. on September 20, 2013.
The reality is that most people who have found themselves on the wrong end of a debt collector would love to be able to pay the debt. We’ve all run into financial difficulties but that doesn’t mean that you’re not entitled to some rights. Whether or not you owe the debt is irrelevant. In fact, […]
Posted by David J. Hinkle, Esq. on September 19, 2013.
In previous articles we’ve talked about the statute of limitations on a debt. To review, the statute of limitations is the time period in which a debt collector can sue you to collect a debt. Oftentimes debt collectors will still try to collect a debt after the time period has run out. This is legal […]
Posted by David J. Hinkle, Esq. on September 15, 2013.
Having unpaid debts can be stressful. Being called and having letters sent to you by debt collection agencies can make a stressful situation even worse. However, even if you legitimately owe a debt, there are rules that debt collection agencies must follow. Most consumers don’t know that they have rights even if they owe a […]
Posted by David J. Hinkle, Esq. on September 13, 2013.
If you’ve found yourself in the stressful position of getting contacted by debt collection companies, take a look at these tips. They may help you minimize or eliminate the issue altogether. First, make sure that the debt collector is actually looking for you and not someone else. This may sound like a no brainer but […]
Posted by David J. Hinkle, Esq. on September 11, 2013.
Nothing is more alarming than being served with a lawsuit. It can be embarrassing, frightening, upsetting, and can cause a lot of anxiety. Is your lawsuit based upon an unpaid debt? If so, take a deep breath and realize that you have options. First, do not ignore it as ignoring the complaint will lead to […]
Posted by David J. Hinkle, Esq. on September 10, 2013.
If you are getting collection calls, Stop!! Don’t Pay a Penny on that “Old” Debt Until You’ve Talked to a Lawyer! Many of us have enjoyed (or been scared by) a zombie movie or tv show. They are quite popular these days. However, few people have heard of or seen the real life horror story […]
Posted by David J. Hinkle, Esq. on August 31, 2013.
Nobody wants a debt collector call when they are at work. It’s stressful, embarrassing and could get get you in trouble at work. That’s exactly why collection companies call the workplace. Their job is to create enough aggravation and stress to make you pay them. Given the choice you probably would pay them but sometimes […]